I would have to say that when we were planning our trip, this was a big issue for me because I LOVE to save money. I did A LOT of research with offsite hotels for our family of four, and nothing (nice enough to justify staying off site) could measure up to the FD deal in cost $avings. When you account for a family of four, we knew with QS lunches costing $60 on average, plus dinner being $100, our $200 room at POR was only costing us about $50 a night! Sure we could have eaten offsite and been careful and maybe spent $120 a day on food, but who wants to pinch pennies on their vacation? You want to relax and enjoy yourself and this still would have put us over the cost of staying on site with a $100 a night hotel.
We had never stayed on site before, and always avoided the dining due to cost, so we saw this as a great opportunity to experience Disney in a new way. And it was great. I am glad we tried it. We got to try restaurants we never would have otherwise; we booked well in advance and got two character dining meals and the kids got tons of prime autographs. POR was nice but we had to change rooms because they didn't meet any of our room requests despite multiple call backs. Part of the reason I wanted to stay onsite was for the great theming, especially with the pools, but as it turned out, the kids preferred swimming in the quiet pool every day and we only used the theme pool once! Part of this was due to our location at the resort, I think. I requested to be in building 16 or near the main pool and we were put in Oak Manor, which was a bit of a walk but definitely not the worst location in the resort. We went to POFQ on our last day to try the beniets and we were not impressed and glad we chose POR. POFQ seems to be a more adult resort or young parents with toddler resort with the theming and type of pool. Although the updated rooms and queen beds would have probably made it all worth it.
If you have never stayed on site before, I say go for it, definitely worth it! But in the OP situation, however, you seem to have done all the onsite dining, so I would probably try for comfort and get a nice condo offsite. Being onsite isn't all that close to the parks anyways, it was always at least a 10 minute drive for us. Plus it was quite a trek at night to the hotel room to carry the sleeping kids, because our room was no where near a parking lot. The disadvantage we also found with FD was that it took so much of our time away from having fun in the parks, about 1 1/2 hours each time for ts dinner and even quick service would have 45 minute line-ups. I don't know, but eating offsite to save money would also mean having to leave earlier and coming back if you were not ready to leave. I guess I am not much help, sorry!